How do I fix this and not have to take out a second mortgage on my house?
Sounds like it needs a transmission, if your needing to cut corners your choices are limited, buy a used one from a wrecking yard that has a warranty, if its bad they will replace the part but no labor, or buy a wrecked Camry same year that runs and shifts good and swap the powertrain. Otherwise you stuck with a new or rebuilt unit.
What year and mileage on this vehicle? Have you checked the trans fluids level and quality. What color is the trans fluid?
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